ARE debt problems making your life a living hell?  Doing your best to pay but creditors just won’t leave you alone?  Maybe you get nervous every time the phone rings…

MAYBE you’ve experienced this before: You’re driving down the road one cold, chilly day and before you know it, you find yourself surrounded by a thick white wall of dense…

IF you are searching for debt reduction solutions, no doubt you’ve been inundated with advertisements for various debt management programs, companies and solutions. The choices seem confusing to the average…

HAVE you ever faced a situation in your life where you needed help so badly but you were just too afraid or embarrassed to ask for it?  Perhaps you felt…

FACING difficult financial times can be a frightening thing for a lot of people. When bill collectors are hounding you, at some point, you realize that something must be done…

ARE you being harassed by your creditors day and night due to unpaid bills? If you are, you know that this is a pretty unpleasant experience. You may feel scared,…

IN this week’s article, I would like to address a bad habit that we all tend to have at times. In dealing with debt, it can mean the difference between…

FOR a lot of people, financial concerns can be their number one cause of stress. But worrying without acting doesn’t really solve anything. If you feel that your finances are…

EVERYDAY, I meet with couples who are deeply in debt. In a lot of cases, I can feel the stress level that they are experiencing while the couple is in…

MOST people are unaware that credit card companies will negotiate with you if they believe that it is in their best interests to do so. Many times you can negotiate…

DO you want to get out of debt but are afraid that filing bankruptcy may only make things worse for you? Facing difficult financial times can be a frightening thing…

IF YOU’RE one of the many people who got approved for loan modification many years ago under the HAMP Program, chances are that you obtained a low interest rate of…

I’VE been asked this question a few times lately so I decided to write an article on it.  If you have filed bankruptcy before, you may be wondering whether it’s…

ARE you struggling with debt problems and don’t know what to do? Are you unable to sleep at night worrying about your finances? Has the idea of filing for bankruptcy…

IF you are experiencing debt problems, you may find it difficult to talk to other people about it to the point that you are not getting the help that you…

IF you’re one of the many people who got approved for loan modification many years ago under the HAMP Program, chances are that you obtained a low interest rate of…

ARE your growing debts causing you sleepless nights?  Are you trying hard to pay what you can every month but feel like you’re just running on a treadmill?  Do you…

ARE you facing a mountain of debt that you can’t pay and don’t know what to do about it? Perhaps this situation is causing you a lot of sleepless nights…

READ this if you owe the IRS money and can’t pay. IRS problems have a way of ruining all aspects of your life.  They take a toll on you FINANCIALLY,…

FROM what I’ve witnessed in the last 15 years as a bankruptcy attorney, debt problems can put a huge stress on any marriage. When couples are going through a financial…

WHEN people are going through financial difficulty and are unable to pay their bills, their first reaction is often to ignore their debts and avoid contact with creditors. They think…

THE recession has been tough on a lot of small businesses. And if you have a family-owned business that is your only source of income, the business may not even…

Do you want to get out of debt but are afraid that filing bankruptcy may only make things worse for you? Facing difficult financial times can be a frightening thing…

I KNOW we’ve never met. But there’s a common concern we all share. As a debt relief attorney, I hear it from people who consult with me every day.  It…

PEOPLE come to me every day with different reasons for getting out of debt. Most of the time, I’m thinking that they would have been better off had they come…

MAYBE you’ve experienced this before: You’re driving down the road one cold, chilly day and before you know it, you find yourself surrounded by a thick white wall of dense…

HOW much debt is too much? Are you worried that you have accumulated more debt than you can afford to pay back? One of the smartest things you can do…

ARE you having problems paying your debts? Are creditors calling you day and night threatening you with a wage garnishment, repossession or foreclosure? Are you starting to feel hopeless and…

IF YOU are facing the prospect of filing bankruptcy for the first time in your life, this could be a frightening process. You probably have a thousand questions going through…

A PROSPECTIVE client was consulting with me the other day about credit card debts that have been piling up. He looked shocked and confused as we sorted through all the…